Auto Insurance · Head-to-head
GEICO vs Farmers: Which auto insurance wins?
Side-by-side comparison of GEICO and Farmers auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
GEICO
Consistently cheapest national carrier for clean-record drivers under 65. App + online flow is the smoothest in the industry — most users get a binding quote in under 8 minutes without speaking to an agent. Military / federal employee discounts stack with the standard multi-policy save.
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
GEICO runs $567 less per year on average for full coverage ($1,353 vs $1,920/yr). Farmers can still be the better fit when new car replacement matter more — see the verdicts below.
Side-by-side breakdown
| Feature | GEICO | Farmers |
|---|---|---|
| Avg full-coverage premium | $1,353/yr | $1,920/yr |
| Avg liability-only premium | $467/yr | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | good credit · low mileage | new car replacement · agent service |
| Overall rating | 4.6/5 | 4.1/5 |
| Price & savings score (40%) | 4.7 | 3.9 |
| Coverage strength score (25%) | 4.5 | 4.3 |
| Quote & buy experience (20%) | 4.7 | 4.0 |
| Claims & support score (15%) | 4.4 | 4.2 |
Avg full-coverage premium
GEICO
$1,353/yr
Farmers
$1,920/yr
Avg liability-only premium
GEICO
$467/yr
Farmers
$690/yr
A.M. Best financial strength
GEICO
—
Farmers
—
Best for
GEICO
good credit · low mileage
Farmers
new car replacement · agent service
Overall rating
GEICO
4.6/5
Farmers
4.1/5
Price & savings score (40%)
GEICO
4.7
Farmers
3.9
Coverage strength score (25%)
GEICO
4.5
Farmers
4.3
Quote & buy experience (20%)
GEICO
4.7
Farmers
4.0
Claims & support score (15%)
GEICO
4.4
Farmers
4.2
Editor verdicts
Why we rate GEICO 4.6/5
Consistently cheapest national carrier for clean-record drivers under 65. App + online flow is the smoothest in the industry — most users get a binding quote in under 8 minutes without speaking to an agent. Military / federal employee discounts stack with the standard multi-policy save.
Read the full GEICO reviewWhy we rate Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Read the full Farmers reviewWho should pick which?
Pick GEICO if…
- You want the lowest annual premium — GEICO averages $1,353/yr for full coverage, $567 less than Farmers.
- You value claims responsiveness — GEICO scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
Pick Farmers if…
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.